Emery Mortgage & Insurance Services - Independent Advice from Certified Mortgage Specialists


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	First Time Buyers

Emery Mortgage & Insurance Services really could be the key to your first home. Whilst getting on the first rung of the housing ladder is an exciting time, it can also be expensive and confusing, especially if you don't have anyone to guide you through the process. We can help by talking to you without the jargon, help you find the right solicitor to handle the legal side of things and look at exclusive deals which are only available to first time buyers. We can also help reduce your costs when setting up home for the first time, with special incentives in areas such as home or mortgage payment protection insurance.


	Remortgages

Its often easy to overlook your current mortgage, but there are many reasons for talking to us about the options which are available to you. It could be that you're looking at improving your home, for example planning an extension or loft conversion. Perhaps its worth considering consolidating your debts or changing from an interest only to a repayment mortgage. Maybe you're simply paying a standard variable interest rate or your fixed or discounted deal is about to end. Are you concerned about possible rises in interest rates? Many people aren't aware how easy it can be to arrange a remortgage and you may be entitled to free legal services, valuation or even cashback. Whatever your reasons for a remortgage, you can be confident that we'll help you every step of the way*.


	*Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Consolidating existing debts into a loan may increase the term and total amount payable.


	We do not charge a fee for our insurance services. We do not normally charge a fee for mortgage advice, however as we are independent a fee paying option is available. Our typical fee is £99.00.


	YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

	Emery Mortgage & Insurance Services is an Appointed Representative of H. L. Partnership Limited which is authorised and regulated by The Financial Services Authority. Emery Mortgage & Insurance Services are entered on the Financial Services Register (http://www.fsa.gov.uk) under reference 414055 and H. L. Partnership Limited is entered on the register under reference 303397.

		The guidance and/or advice contained within this website is subject to the UK regulatory regime & is therefore primarily targeted at consumers based within the UK.

		Copyright © 2006 Emery Mortgage & Insurance Services. Proprietor - Rob Emery CeMAP. Emery Mortgage & Insurance Services are not responsible for external websites.

		Registered Correspondence Address - 5 Champernowne Crescent, Ilfracombe, North Devon EX34 9PL. You can e-mail us by clicking here.

		*Home visits, including evening appointments, are available in Ilfracombe, Braunton, and Barnstaple and their surrounding areas. If you are not in any of these areas we would be happy to provide our range of of mortgage and insurance services to you over the phone. Please contact us if you would like to arrange a no obligation appointment.




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